Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

78201 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 78201 with localized property taxes, insurance, and utility data.

← Back to ZIP Code 78201 Hub
Est. Total Monthly Cost
$1,786
P&I Payment$1,209
Taxes & Ins$409
Utilities$168
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this 78201 scenario further — you stay anonymous.

Track this scenarioSave it to My Scenarios and watch the rate over timeFind lenders for this scenarioSee top-ranked local lenders and request quotes

Mortgage Details

$227,980
Local Median: $227,980
$45,596 (20%)
%

Used with your down payment to fetch a live, scenario-specific rate.

Local Area Costs

Monthly$1,786

Monthly Breakdown

Principal & Interest
$1,209
Property Taxes
$283
Homeowners Ins.
$125
Utilities
$168

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$253,032

Local Housing Facts for ZIP Code 78201

  • ·Median home value: $227,980 (adjusted for current market conditions)
  • ·Est. property taxes: $3,399/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,505/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,017/yr — sourced from DOE LEAD survey data
  • ·Flood insurance: optional — toggled off by default, estimate based on FEMA risk profile

Frequently Asked Questions

How much are property taxes in SAN ANTONIO?

Based on the local median home value, estimated real estate property taxes in SAN ANTONIO are around $3,399 per year.

What is the average home price in SAN ANTONIO?

The median home value in SAN ANTONIO is currently estimated at $227,980.

How much does homeowners insurance cost in SAN ANTONIO?

For a median priced home, homeowners insurance in SAN ANTONIO averages around $1,505 annually.

What is the true total cost of owning a home in SAN ANTONIO?

True homeownership costs go beyond principal and interest. In SAN ANTONIO, a typical homeowner with a median-priced home of $227,980 can expect to pay roughly $3,399/yr in property taxes, $1,505/yr for homeowners insurance, and $2,017/yr in energy utilities. That adds approximately $577 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.